Curter — AI prospect briefs for SBA 7(a) lenders

How it works

From criteria to discovery call in three steps

No prompts to write, no data to format. Curt does the research and the math.

01

Describe what you're looking for

Industry, geography, revenue band, "has an active SBA loan" — fill the criteria card or type it in plain English. Already have a pipeline? Upload an Excel and skip ahead.

02

Discover surfaces verified candidates

Curt scrubs across hundreds of thousands of SBA borrowers and the open web, cross-references the signals, and returns a shortlist — each candidate carrying a specific "why this matches" line, every claim cited.

03

Pick and brief

Check the candidates worth pursuing, click brief. One polished HTML page per prospect with the lending projection already run — ready for the discovery call.

Sample output

A brief, the way a banker reads it

This is what each candidate you pick becomes — cover, key numbers, banking angles, decision makers, lending math, sources. Every claim cited.

Prospecting Brief

Westridge Plumbing & Mechanical

Sample · Carlsbad, CA

Curter

Loan size

$280,000

Current rate

8.75%

Refi rate

7.25%

Term

10 yrs

01Contact

Address	2418 Faraday Ave, Carlsbad, CA 92008 [1]
NAICS	238220 — Plumbing, Heating, AC Contractors [2]
Phone	(760) 555-0142 [1]
Website	westridgeplumbing.com [3]

02Brief

Executive snapshot

Commercial plumbing & HVAC contractor founded 2014, serving North County San Diego with a heavy book of municipal and multifamily work. Estimated $2.4M revenue, 14 employees, currently expanding fleet from 12 to 15 service trucks [2][4].

Top banking opportunity: Fleet expansion + recent $1.1M Oceanside Unified contract win signals working-capital and equipment-financing demand inside the next 90 days.

Banking angles · verified

Fleet growth from 12→15 trucks announced Q1 2026 — equipment financing fit [4]
$1.1M five-year Oceanside Unified School District plumbing contract awarded March 2026 — A/R financing potential while working through the work [5]
Operating from a leased 8,200 sq ft facility on Faraday — owner-occupied real-estate refi candidate when lease comes up Dec 2027 [1]

Decision makers

Mark Westridge, Founder & CEO [3] — 12-year operator, master plumbing license #C36-987XXX, primary signer on prior SBA 7(a).

Sarah Chen, CFO [3] — joined Q3 2024 from a regional HVAC firm; previously ran banking relationship at a competitor — knows the product.

Discovery questions

"You picked up the Oceanside contract — how is the receivables timing trending? Most district contracts pay net-45 to net-60."
"With the 3 new trucks coming, are you leasing or financing the chassis?"
"Your current 7(a) was originated in 2022 at 8.75% — would lower fixed monthly payments help right now, or are you optimizing for cash on hand?"

03Lending projection

Row	Current	Refi @ 7.25%
Original loan amount	$280,000	—
Estimated current balance	$246,820	$246,820
Calculated margin (over Prime)	Prime + 2.00%	Prime + 0.50%
Months elapsed / remaining	42 / 78	0 / 120
Monthly payment	$3,498	$2,889
Lifetime interest	$172,924	$103,696
Δ Monthly payment	($609) — savings
Δ Lifetime interest	($69,228) — savings

Banker interpretation: Refi at Prime + 0.50% drops the monthly payment by $609 and saves $69K lifetime — lead with the monthly cash-flow improvement, the lifetime savings closes it.

04Sources

[1]Westridge listing on Google Business — verified address, phone, hoursgoogle.com
[2]California Contractors State License Board — license + classificationcslb.ca.gov
[3]Westridge Plumbing & Mechanical — About + leadershipwestridgeplumbing.example
[4]Carlsbad Business Journal — fleet expansion announcementcarlsbadbiz.example
[5]Oceanside Unified School District — March 2026 board minutes (contract award)ousd.example

Sample data · Real briefs draw from the open web, every claim cited to its source.

The math for your desk

$49 a month, against one booked loan

Curter isn't a cost center — it's pipeline you're already entitled to, surfaced faster.

$49/mo

Solo plan — 15 briefs included, then $3 each. Cancel anytime.

~30 hrs

back each month if a brief replaces ~2 hours of manual research

1 loan

a single booked SBA 7(a) origination pays for Curter for years

More than briefs

Curter works your whole pipeline

Discovery and briefing are just the start. Curter follows each prospect from the first search through to the booked deal.

Ranking

Ranked by the deals you've won

Curt scores every new candidate by how closely it resembles the prospects you've already met and booked — so your strongest-fit leads rise to the top of the list.

Candidates

Candidates that arrive pre-researched

Each candidate comes with an estimated revenue band, a likely decision-maker, and a recent-news flag — so you walk into the call already knowing the shape of the business.

Projection Mode

Hand the borrower a projection

Turn any brief into a borrower-facing lending projection — the loan comparison, the monthly-payment math, and plain-language disclaimers — ready to send straight to the business owner.

Pipeline

Outcome tracking and a win funnel

Tag what happened with each brief — called, met, declined, booked — and Curter rolls it into a funnel so you can see exactly what's converting.

Sharing

Send a brief with a link

Share any finished brief through a private link. A colleague or your credit team opens it right in the browser — no account, no download.

Teams

One workspace for the whole branch

Invite teammates into a shared workspace — searches, briefs, and the watchlist pooled across the team, so no one briefs the same business twice.

Why Curter exists

Built by a banker, for bankers

Curter came off a commercial lending desk, built to fix a real problem: good borrowers buried under hours of manual work. It does the scrubbing and the math — and it never asserts a fact it can't cite.

✓ Every claim cited to its source ✓ Your pipeline stays in your workspace — never sold or shared ✓ Questions answered by a banker, not a chatbot

Built by a commercial banker in San Diego.

Pricing

One price. Solo or team.

No tiers to compare and no add-ons to chase — just pay for the briefs you run beyond the monthly allowance.

Solo Banker

Everything Curter does, for one banker.

$49 / month

✓
15 briefs per month included — single-business or batch rows
✓
$3 per brief over plan, billed at month-end
✓
14-day trial on first subscription; card required, not charged until trial converts
✓
Chat with Curt to filter portfolios + propose briefs
✓
Excel batch upload, archived job history, polished HTML briefs

Sign in to start

Teams

Shared workspace for a branch or lending team.

$249 / month

✓
5 seats included — add up to 4 teammates
✓
75 briefs/month pooled across the whole team
✓
$3 per brief over plan, billed at month-end
✓
Owner can disable overage billing for any teammate
✓
Shared pipeline: searches, briefs, watchlist, funnel visible to every teammate
✓
Personal chat threads: each banker's Curt conversations stay private

Sign in to start

14-day free trial on first subscription — card captured at signup, not charged until trial converts. Teams: invite teammates from the Org page after sign-in.

Questions before you sign up? customercare@curter.ai — a banker (not a chatbot) will reply.

FAQ

Common questions

How does Curter find SBA 7(a) loan prospects?

Curter searches across roughly 920,000 U.S. SBA 7(a) borrowers from public loan data plus the open web. You describe the borrower you want — industry, geography, revenue band, loan criteria — and Discover returns verified candidates, each with a cited "why this matches" line. You can also upload your own Excel pipeline and have Curter research every row.

Prospecting by hand instead? We wrote up the manual playbook too: how to find SBA 7(a) loan prospects.

What counts as a brief?

One business researched and written up as one polished HTML page. Whether the candidate comes from Discover, an Excel row you uploaded, or a single-business research request, each finished page is one brief against your monthly allowance.

Research that doesn't reach a finished brief — e.g., a Discover search that returns candidates you haven't picked yet — doesn't count.

What if I need more than 15 briefs in a month?

Keep going. Briefs past the 15 included in your Solo plan are billed at $3 each at the end of the cycle. No tier upgrade required, no upfront commitment.

Teams get a pooled allowance of 75 briefs/month across the whole workspace before any overage starts.

How does the Teams allowance pool?

The Teams plan is a flat $249/month. Five seats are included, and the whole team draws from a single shared pool of 75 briefs/month. Any teammate can use the pool until it's exhausted, then briefs past 75 bill at $3 each.

If you want a teammate to have full access but NOT generate overage charges for the workspace, the owner can disable overage billing for that teammate on the Org page. The teammate keeps writing briefs; you just don't get billed for the overage they create.

What's in the 14-day trial?

Full Solo or Teams functionality with no usage cap during the trial window. A card is required at sign-up so the rollover is seamless, but it isn't charged until day 15. Cancel anytime during the trial at no cost.

Can I switch between Solo and Teams later?

Yes. Invite a teammate from the Org page and the plan converts to Teams; remove all teammates and you're back on Solo. Billing prorates in both directions on the next cycle.

How accurate is it — can I trust the briefs?

Every factual claim in a brief links to the public source it came from — click any citation to verify it yourself. Curter is built to never assert a fact it can't cite, so you can stand behind anything in the brief on a call or with credit.

How do I sign up?

Any lender can sign up — no invite or approval needed. Click Get started, sign in with your work email (magic link, no password), and start the 14-day free trial. A card is required at signup so the rollover is seamless, but it isn't charged until day 15, and you can cancel anytime during the trial at no cost.

The prospect brief you didn't think AI could write.

Prospecting an SBA book by hand eats your week.